Mr. Joe O'Reilly:

Yes, again I'm not hold myself out to be an expert but what is obvious is I think we joined the euro, I think, back in ... back prior to the euro we were able to control the level of activity in the market by adjusting our interest rates or whatever. We lost that control in the euro, we didn't put in place ... we didn't place ... we didn't seem to put in place any measures to control the inflation, particularly in the property sector.